432 Railroad St, Concord, MI 49237 Property Records

Jackson County property record for 432 Railroad St, Concord, MI 49237

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1988
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-11-27-351-112-04`

Property Details

APN / Parcel Number

Primary APN	`005-11-27-351-112-04`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	506 ft deep x 214 ft wide
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	432 RAILROAD ST
City	CONCORD
State	MI
Zip	49237-9561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBRES
Legal Description	BEG AT SE COR OF SEC 27 TH N 599.94 FT CL OF HANOVER RD TH N61?30'W ALG SD CL 650.10 FT TH N20?E 33.37 FT TO NLY LN OF
Legal Subdivision	ASSRS VILLAGE OF CONCORD
Legal Lot Number	137-138
Jurisdiction	JACKSON MI
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1077
Census Tract	6401

Owner

432 Railroad St is owned and occupied by an individual.

Source: Jackson County records, as of June 29, 2026

Owner of Record	Individual Name on File
Mailing Address	432 RAILROAD ST, CONCORD, MI 49237-9561
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Warranty Deed, Transfer · Conventional Mortgage THE DART BANK
Jun 16, 2023	Intrafamily Transfer, Transfer
Jun 16, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MI
Recording Date	Nov 15, 2023
Property Address	432 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002948496
Book / Page	2237 / 1205
Instrument Date	Nov 10, 2023
Instrument	2948496
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,242.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 RAILROAD ST, CONCORD, MI 49237-9561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 SPRINGBROOK RD, JACKSON, MI 49201-9776

Mortgage

Document Number	0002948497
Date	Nov 15, 2023
Instrument	2948497

Lender

Name	THE DART BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	7.24%
Max Rate At Change	12.2%
Max Rate	12.2%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON MI
Recording Date	Jun 16, 2023
Property Address	432 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002940123
Book / Page	2231 / 632
Instrument Date	Jun 6, 2023
Instrument	2940123
Transaction Type	Transfer
Record Updated	Jul 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 RAILROAD ST, CONCORD, MI 49237-9561

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON MI
Recording Date	Jun 16, 2023
Property Address	432 RAILROAD ST, CONCORD, MI 49237-9561
Document Number	0002940124
Book / Page	2231 / 633
Instrument Date	Jun 6, 2023
Instrument	2940124
Transaction Type	Transfer
Record Updated	Jul 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	432 RAILROAD ST, CONCORD, MI 49237-9561

Tax Assessment & Valuation

The 2025 property tax bill for 432 Railroad St was $3,330 with a homeowner's exemption, down 24% from the year before.

Source: Jackson County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Jackson County
County Subdivision	Concord Township
Municipality	Concord Village
Unified School District	Concord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,300 (+9.48%) Land $144,300	$288,600 (+9.48%) Land $288,600
2025	$3,330.00 (-23.97%)	$131,800 Land $131,800	$263,600 Land $263,600
2024	$4,380.00
2023		$110,500 (+13.1%) Land $110,500	$221,000 (+13.1%) Land $221,000
2022	$2,567.00 Homeowner's exemption	$97,700 Land $97,700	$195,400 Land $195,400
2020	$2,500.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 432 Railroad St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 3, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2010 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 432 Railroad St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONCORD serves 1,050 people · EPA ID MI0001580
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Fiber	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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